Federal credit union · Radcliff, Kentucky · NCUA charter #7000
ABOUND
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $2.62B
- Total assets
- 117,743
- Members
- 15.8%
- Net-worth ratio
ABOUND scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.62B; members 117,743; net-worth ratio 15.79%; health rank #463 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#463 of 4,374 health · 2025Q4ABOUND · health 94/100 · $2.62B · 2025Q4
Call Report peers
ABOUND in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ABOUND vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ABOUND sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ABOUND vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +5.93 pp (89.83% vs 83.90%).
Kentucky standing for ABOUND
- Kentucky health ordinal: #7 of 54.
- By total assets, ABOUND is #2 of 54 in Kentucky.
- Membership ranks #3 of 54 among Kentucky CUs with a reported count (117,743 members).
- One place up in Kentucky, SIGNET (#6) scores 95/100, 1 point higher; one place down, Members Heritage (#8) ties at 94/100.
How ABOUND's 5300 filing moved
ABOUND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $2.62B (2025Q4) to $2.72B (2026Q1).
- Net-worth ratio shifted -0.35 pp (16.14% → 15.79%).
At 15.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
ABOUND gives up 6 points in total. Member Growth costs the most, 4.8 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.5 pts
- Return on Assets 15.0 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 15.3 pts
ABOUND vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.79% | +4.61 pp |
| Delinquency Rate | 0.65% | -0.22 pp |
| Return on Assets | 1.21% | +0.70 pp |
| Member Growth | 1.00% | - |
| Loan-to-Share Ratio | 89.83% | +5.93 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
ABOUND filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.72B | - |
| 2025Q4 | $2.62B | 117,743 |
| 2024Q4 | $2.40B | 116,581 |
| 2023Q4 | $2.26B | 134,931 |
Credit Union Details
- Charter Number
- 7000
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Kentucky
- City
- Radcliff
- Data Quarter
- 2025Q4
Branch Locations (20)
ABOUND operates 20 offices across 13 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 313 Branch (Main Office) | Radcliff, KY |
| Bardstown Branch | Bardstown, KY |
| Bardstown Walmart Branch | Bardstown, KY |
| Bowling Green | Bowling Green, KY |
| Nashville Rd | Bowling Green, KY |
| Brandenburg Branch | Brandenburg, KY |
| Campbellsville Branch | Campbellsville, KY |
| Danville Branch | Danville, KY |
| Dixie Branch | Elizabethtown, KY |
| Ring Road Branch | Elizabethtown, KY |
| Pershing Branch | Fort Knox, KY |
| Pershing Branch | Fort Knox, KY |
| Glasgow Branch | Glasgow, KY |
| Hodgenville | Hodgenville, KY |
| Leitchfield | Leitchfield, KY |
| Valley Station | Louisville, KY |
| Jeffersontown | Louisville, KY |
| Radcliff Branch | Radcliff, KY |
| 313 Branch | Radcliff, KY |
| Shepherdsville | Shepherdsville, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
A look at other Kentucky credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for ABOUND
Similar total assets
Similar health score
Using this data
- ABOUND ranks #463 of 4,374 nationally on financial health and #7 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COMMONWEALTH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COMMONWEALTH
Frequently Asked Questions
Is ABOUND financially healthy?
On its 2025Q4 NCUA 5300 filing, ABOUND scores 94/100 (Excellent), with a 15.79% net worth ratio and 0.65% of loans delinquent. It ranks #463 of 4,374 nationally on health and #7 of 54 in Kentucky.
How does ABOUND compare to other credit unions?
ABOUND scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (89.83% vs 83.90%).
How can I join ABOUND?
ABOUND operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ABOUND directly for the exact boundaries and application steps.
Is my money safe at ABOUND?
ABOUND is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ABOUND's net worth ratio of 15.79% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.